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If you are faced with a problem case,  one of our Articles on underwriting more difficult cases may be helpful to you in understanding and dealing with your client's challenging situation.

Remember: A Declination or Rating need not be a disaster. It may just be your opportunity  to become a hero!

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Sub-Standard Underwriting Articles

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Alcoholism

Addison's Disease

Alzheimer's Disease

Anemia

Angioplasty

Angina

Aortic Aneurysms

Aortic Valve Surgery

Arrhythmia

Arteriosclerosis

Asthma

Atrial Fibrillation

Bariatric Surgery

Bladder Cancer

Brain Injury

Brain Tumor

Breast Cancer

Bronchitis

Cardiomyopathy

Carotid Artery Disease

Cerebral Palsy

Cervical Cancer

Chronic Fatigue Syndrome

Cirrhosis of the Liver

Clinical Depression

Colitis

Colon Cancer

COPD

Congenital Heart Defects

Congestive Heart Failure

Coronary Angioplasty

Coronary Artery Disease

Coronary Bypass

Crohn's Disease

Case Declined!  What Are Your Choices

Your Client Has Been Declined!  Now What!

Depression

Diabetes

Diabetic Complications

Edema

Endocarditis

Emphysema

Encephalitis

Epilepsy

Fatty Liver Disease

Financial Underwriting

Gallstones

Gastroesphageal Reflux Disease  (GERD)

Generalized Anxiety Disorder

Grand Mal

Guillian-Barre Syndrome

Headache

Head Injuries

Heart and Lung Transplants

Heart Attack

Heart Murmur

Heart Valve Surgery

Hemochromatosis

Hemophilia

Hepatitis B

Hepatitis C

Hodgkin's Disease

Hyperlipidemia

Hypertension

Inflammatory Bowel Disease

Kidney Cancer

Kidney Disease

Kidney Transplants

Lab Tests

Leukemia

Lipid Levels

Liver Disease

Liver Enzymes, Elevated

Liver Function Tests

Lou Gehrig's Disease

Lupus Erythematosus

Medications

Melanoma

Meniere's Disease

Meningitis

Mitral Valve Prolapse

Multiple Sclerosis

Muscular Dystrophy

Myasthenia Gravis

Nicotine

Obesity

Obesity + Diabetes = Epidemic

Osteoarthritis

Osteoporosis

Over Age 70 Applicants

Pacemakers

Pancreas Cancer

Pancreatitis

Pap Tests

Parkinson's Disease

Peptic Ulcer

Pericarditis

Peripheral Vascular Disease

Petit Mal

Placing Sub-Standard Cases

Polycystic Kidney Disease  (PKD)

Preferred Smoker

Preparing the Client For The Medical

Prostate Cancer

Prostate Cancer Tests

Psychoneurosis

Psychosis

Pulmonary Embolism

Rheumatoid Arthritis

Ruptured Disk

Shingles

Sickle Cell Anemia

Skin Cancer

Sleep Apnea

Smoking

Stroke

Substance Abuse

Suicide

Testicular Cancer

Thyroid Cancer

Thyroid Disease

Tuberculosis

Ulcerative Colitis

Underwriting Hazardous Activities

Underwriting The Elderly

Venereal Disease

 

Does your client have an impairment not listed above?
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